Well, not really. I am no day trader or Wolf of Wall Street. I am too lazy to work that hard to make every last penny I could. However, I can share what has worked for me, which is a long term strategy that led to no debt and an early retirement.
As we head into this one, these are the ground rules for TB’s take on this and any other subject. I am not you and you are not me. As always take what I say and apply only after thoughtful consideration of whether it works for you and your situation. My purpose is only to inform for what has worked for me or that I otherwise have legitimately beneficial knowledge to share. If any of this can help you or loved ones in some way(s), my purpose has been fulfilled.
To get to the financial, which is not complex or ground breaking, you need to handle the prerequisites first. Skipping the part that stabilizes your life and gives it meaning circumvents the good that comes from wealth accumulation. If you skip it, you either lose the wealth you do accumulate at some point, or, it becomes your idol or god because you are not grounded in truth.
Intentions
Start with first things first. Live a life of fulfilled intentions. Not just in financial matters – in everything. FAFO’ing through life is not a good way to approach it. You know this.
Per definition, intention is an aim that guides your actions to achieve an objective. You aim yourself as a weapon is aimed at a target. Anything or anybody that gets in the way is a distraction. Sometimes the distraction is good, it can cause you to rethink things. Sometimes the distraction gets in the way of you hitting the target. You need to decide the best course of action with the distractions and react accordingly.
Stay focused on the objective. Once the target is lined up, do not flinch and over think. Pull the trigger to get it done.
Most importantly, to fulfill intentions requires that you have some. Intentions give purpose to life. Do not go through life aimlessly.
It does not matter how old you are or your personal situation to fulfill your intentions.
Understand that God created the way the world was created – and you are not Him. Don’t fall for there is no God, no creator, bullshiz regardless of whether you are religious or not. Accept somebody greater than you created all of this by intention and move on to understanding your role and purpose within your circumstances. That means you really should ask Him, but that is your choice. If your life seems aimless or unproductive, start there.
You live in a country that provides for fulfilled intentions. Be grateful everyday and realize you have been blessed to be in the place you are. You have been given personal liberty secured by the Constitution that was executed within the providence of God as it states. When oppressors come against you, stand firm within your rights as an American citizen and counter their aggressions. Our founders and many patriotic Americans have bled out and died to provide that right. You owe it to them to give it your all and even do likewise if called upon. Do not go down without a fight. Fight, fight, fight!
Financial Freedom Basics
Work until you can retire, if you want to retire. Preferably, make money doing something that you love if possible. Sometimes that is not possible. So, whatever you do, do as unto the Lord. That is scripturally supported. If you do those things you will live within your means.
Do not spend more than you make. Getting the big eye is for kids, do not act like a kid as an adult. It’s dumb.
Compounded interest and returns are your great friends. Seek them. Make sure it is more than inflation and your personal tax burden. The more you make above the inflation rate and tax burden the better. It is doubtful you will achieve that depositing all of your funds in a bank or credit union. That is like floating around in a pool, you will never really get anywhere. I will address this below. There are no sharks in a pool and that makes it more safe and relaxed. It also makes it less productive for your financial gain purposes.
Again, avoid spending more than you make or borrowing excessive sums that cannot be repaid easily. Be risk averse when it comes to borrowing money.
Combine all of that understanding by first building a rainy day fund that is sufficient to pull you out of a loss of job, major household or auto expense, a medical emergency, and so on. Go for a minimum of 6 months income invested into savings. Buck up and have some discipline. If your current income is stretched to the max and you cannot cut any more expenses, find a second job or other legal method to increase income. As an example I know medically disabled people who make nice second incomes from just dog or invalid sitting. Figure it out, it doesn’t have to be a forever thing.
Give to your house of worship and others in need. It is a tenet of the faith that is between you and Him. If you do not believe, giving to others in need brings fulfillment personally.
Financial Freedom Intermediate Steps
Now, it is time to go bigger picture. Gaining knowledge, wisdom and discernment while continuing the basics are the next steps. This will be current and practical.
What has PDT told you (as well as the entire world) and what are big money world leaders doing in response relating to the plans for our economy?
Bonus points for the correct answer.
The answer is investing in America. How many trillions of dollars have you seen committed and already being spent by business and governments around the world within our borders? That informs your big picture. So stop being scared of the big, bad Democrat coyotes howling through their media pups. World business and governmental leaders are investing massive, previously unheard of sums into our nation. They know more than any of us do. Trust your eyes and ears.
Into what industries are they investing the majority of the funds? That would be Artificial Intelligence (AI) and anything that supports it or can directly benefit from its implementation. That should inform your decisioning.
They do not care if you like it or support AI. It is going to be a thing whether you like it or not, whether you participate or not. To Christians, we are to be about life and living it in accordance with what Jesus told us up to His return per scripture. So you should continue to live life accordingly while being wise to not fall into any Satanic traps.
AI is a tool. Use it for your purposes while realizing it can be easily corrupted. That is where wisdom and discernment come in.
A major intention of AI is to build an accurate knowledge base for many applications. This is intended to remove the mistakes and lower productivity coming from humans. So AI is combined with many robotic applications in business, industry, medical fields, defense, education, etc. in addition to intellectual use. That is why some jobs handled by humans will cease in the future. However, how well it does at those things is dependent upon human input. Expect hiccups along the way. Lots of them.
Two Opposing Sides & Lots Of Traitors
Now you see another blatant means for the globalists with depop – to corrupt the intention and twist it to their advantage. So, the two sides are clearly represented. One side reduces world population and uses AI applications to replace human productivity where it can. Sort of like culling the herd to only who is necessary while making sure the remnant do as trained. That is where digital ID and social compliance scoring comes in. They have more for themselves with less inconvenient rebellion that way as they replace God and march on to transhumanism where they believe they will never die. You have heard and read this from numerous developers of it including world leaders. Believe their intention even if you know it is all bullshit.
The other side uses AI to increase productivity, but believes humans are necessary for the continuance of the world and further exploration of the universe. They see life as transitory until death and passing into paradise with a Creator, so they want to leave things better for those that follow along the way. Their use of AI gives benefits to all humanity including financial, medical, educational, occupational, etc. advantages. They believe in doing good and caring for their neighbor.
I think you already know which government, business, industry, political, etc. leaders support which camp. Do not be overly concerned about the details in each, just focus on the big picture. One believes in the scarcity of worldly assets and the other believes in the abundance of worldly assets. The culture that develops from that is death for the scarcity crowd and life for the abundance folks.
That informs your investment decisions. Who is winning and what do they support?
In America you will also know them by their political affiliation with infiltrators that attempt to push things off course. Your role today is to work against our common opponents and invest in America as PDT has arranged.
If you have chosen to follow the money (investment), you know America is going to widen its lead the world in business and industry. Our military will continue to provide the protection we and our allies need for the foreseeable future as they are retrained as war fighters instead of woke nation builders, perverts, and baby sitters. This makes them more cost efficient as well as lethal. That scares the bejeezus out of our enemies. It is unlikely there will be any frontal attacks. However, there will be infiltration attempts, sedition and treason. There will be the Chynas of the world that attempt to stir the pot. Don’t fall for the fear porn it gins up in the media.
Our return as a nation in the form of the secular and religious Great Awakening only provides more support for the Golden Age as we justifiably give all of the credit and glory to the Lord for his provision for us as American citizens, as well as all believers around the world.
As a result we go about our lives and business with intentions that fit our world and kingdom view that we intend to fulfill.
Investments
Few adult American citizens are competent individual investors in the stock and bond markets. So, it would be foolish to do that as an investor of your hard earned money without the knowledge necessary to do so successfully long term.
The good news is you do not have to do it yourself. You can invest through funds with managers that do have the experience and knowledge, that make a living at successfully doing it for large numbers of people and institutions. That simply means to invest into good mutual funds with solid investment companies long term.
Consider using the Morningstar website. They review the performances of mutual funds and provided useful information about each. Start there if you are going to invest larger sums. It started over 40 years ago and does deep research. if you are just starting out or doing it smaller, just look for Morningstar ratings and info associated with mutual funds in which you may be interested. It would be safer for you to look at well known large financial providers such as Schwab or Fidelity. The link below gives a sample of their recommended ten best from Forbes.
https://www.forbes.com/advisor/investing/best-mutual-funds
My first point is to not fall victim to conspiracy theories and purity motives. Sure, you may find the investment choices of some funds to be distasteful if you investigate them. Refrain from investing in them if you feel that way. Check each fund’s prospectus and choose funds that are more what you would approve; just realize you have no control and there are bound to be some slugs, thugs and duds mixed in with the good ones in most funds.
That leads to you choosing your financial weapon(s). Pray about it and think it through.
Knowing the huge amounts of capital being invested into America informs you on how you need to invest long term. The S&P 500 index is comprised of the largest, better performing companies in America. It represents 80% of all of the market capitalization of American public companies. These are the companies that can and are investing into big into AI, all things that support it, all things that benefit from it, and other planned American economic growth drivers relating to energy and power production, tech, automotive, defense, etc. As a result you know you probably need to invest into already successful mutual funds that are largely comprised of the companies in the S&P 500, or by the index itself.
This index has performed at an average of about 10% return since its inception in 1957. Think about all of the things that have hit America hard during that period, yet, the average return has still been a strong 10%. For example, in the past ten years there have been a couple of loss years and far more good return years that has led to an 11% overall return. So you do not freak out if the markets decline for a year or two. You sit tight and wait for the rebound.
Average inflation has been around 3.25% over a 100+ year period in this nation. The goal per the Fed and PDT is 2%, which it has been for several months and was (and less) throughout #45’s term. So deduct your inflation assumption from the 10%. Next up is federal and any state taxes that may be due. Only you know your current tax rate. We have no state income taxes in TN, so our effective Federal tax rate is all that applies. By any measure, you learn that a 10% average return of a mutual fund will accumulate a substantial amount of wealth over time. How much is dependent upon your commitment to making additional deposits to it and refraining from taking funds out of it, which allows your contriutions and returns compound.
That does not mean you ignore the NASDAQ, Russell, or any other index with mutual funds. The participants are different in each one. The listed companies are generally smaller in market capitalization, so they are more subject to overall economic conditions of the economy. In good times they may perform better than the S&P. In stagnant or bad times they may be more susceptible and perform worse. The mutual funds associated with them will also have track records for you to review. They will also benefit from the massive investment into America.
Once you start you should basically forget you have done so. Leave it alone unless there is an emergency. That’s it. If your choice of funds does not perform well against peer funds, you can always move it to a better one. You now know a relatively safe path to wealth accumulation. You just have to be willing to pursue it and fulfill the intention to take advantage of the opportunity.
For those who are still a bit queasy, the industry has an insurance fund that covers potential individual investor loss if a fund provider goes bankrupt. Its link is below.
https://www.sipc.org/for-investors/what-sipc-protects
The Future
OK, now that you have your rainy day fund, you are living within your means, you have a low debt load, you are contributing to any 401-k retirement plan you may have at work, and you are now investing for wealth in the stock and/or bond market through at least one good mutual fund; it is time to talk about the future and how it could all go in America for you as well as your children and grandchildren.
Below is a link that is a MUST WATCH (8:41 long) interview by Larry Kudlow with Vivek Ramaswamy. Both are PDT allies and very knowledgable about all of this. Vivek will be Ohio’s elected governor after their next election. Kudlow served in an economic advisor role in #45’s term. They are in the inner circle. They both know how government, politics, business, industry and foreign investment works. They are MAGA.
https://www.foxbusiness.com/video/6380305244112
There is much to unpack there. I hope you picked up on it because those two know what is coming. Ambitious expectations. All within reach of those who prepare accordingly.
It has been my expectation that we will finally see an eventual successful push to have Social Security funds invested safely into the capital markets, which has been prohibited. Think about it, had a significant portion of Social Security funds been safely invested into just the S&P 500 index, a great deal more funds would have been made available and the SS fund would now be self sustaining after many years of 10% compounded returns. Instead, the talk every year is about its future solvency while they use these dedicated funds to make the budget deficit appear smaller than it actually has been. Who has used that fear porn talk to fuel voter turn out for their candidates through the decades? Who benefits the most by keeping it and Medicare in a flux at all times?
The American public has been scammed far more than they ever realized. Collectively we had the power to end it all along. We just needed to become a movement of like minded patriots who held the politicians to account while keeping elections clean. The politicians have known and participated in the scams for many years. They kept selling the public on the lack of safety in investing public funds in capital markets. The same markets that the entire country uses to fuel its capitalistic economy. Ironic, huh? It has been infuriating to those of us who have seen the deception and corruption in plain sight for decades.
If you ask yourself why the answer is obvious. If the public were made aware they would have become outraged when the politicians intentionally overspent the budget or caused bubbles in the stock market or debt markets (2008 mortgage collapse) that caused booms and busts. The politicians knew these activities caused losses in the investment returns of the stock market that would endanger Social Security’s viability. If we had found out about their scamming it would mean the uniparty’s forever wars and depopulation efforts would have to come to an end. Using their media lapdogs they knew they could always sell the less informed sheeple about a potential shortfall in the SS and medicare funds in the future while at the same time approving increases in withholding rate, moving back the age to full retirement, restricting the amounts people could earn before being taxed, etc. That put even more money at their disposal to steal and misappropriate.
I will not spend much time discussing the truth that Jeff Childers of C&C recently brought about PDT and Bessent revaluing America’s gold reserves to more current market values. That impact alone would send the markets into the stratosphere. For once it would be nice if marked to market for something meant that gold could go back to being the reserve that supported the dollar to help it work for the common man’s benefit. Imagine the benefits to the retirement plans of We the People.
The answer for national solvency that included well funded retirements for all Americans has been sitting there all along. There was no political will power or citizen understanding to accomplish it.
Now there is.
Take Control
Once you identify how you want to invest, know that there are literally hundreds of funds that have no loads. Spend some time looking at reviews, ratings of funds, investment emphasis, fund expenses, 10 year returns and so on. The safety is in the S&P with the historically largest upside for growth in the NASDAQ index. Less risk with S&P, more risk with NASDAQ. More stable, proven acceptable returns in the S&P. More upside for returns with the NASDAQ.
Study it, work on it, budget for it and just do it. As wealth accumulates you may choose to move funds into crypto, precious metals, real estate and so on to diversify and reduce risk if you desire. It is never too early or too late to take the plunge. Actually, it can be good fun. For example, giving to children under aged 18-25 (depends on state law) is made easy with the Uniform Gift to Minors Act account. You can remain custodian until they hit the age limit and if you have taught them how investment works through the years they may choose to keep it invested and become millionaires later in life from a relatively modest investment in their youth. Linked below is an IRS update on the effect of the tax law changes on minors.
https://www.irs.com/en/do-minors-have-to-pay-taxes
You can also set up your personal account as a regular investment, traditional IRA or Roth IRA depending on your needs and situation.
Use the calculator below to play with the investments, rates, years, returns, etc.
https://www.gigacalculator.com/calculators/compound-interest-calculator.php
Conclusion
It is time to invest in America. Why let this golden age go by with nothing to show for it? If you have hit your senior years like us, beyond the additional personal income it provides it gives you an investment outlet while you are alive that will survive and be of benefit to whoever or whatever you designate when you pass.
For us that represents a fulfilled intention.

Please remember Wolf’s rules for our community. In general that means to be respectful to each other and to pull no shenanigans that your mom might find offensive or otherwise cause jail time. That said, free speech is honored here.
Be blessed and go make something good happen!


















:max_bytes(150000):strip_icc():format(webp)/monopsony.asp-final-b5584ce2bc8c49a19f26b742abd82b8a.png)














